Renters Insurance Cost in Kentucky
Renters insurance in Kentucky costs about $190 a year ($16 a month), which is 6% above the US average. Most prices fall from $100 to $380.
Renters Insurance Cost in Kentucky
| Low | Typical | High | |
|---|---|---|---|
| Kentucky | $100 | $190 | $380 |
| US average | $100 | $180 | $360 |
Premiums in Kentucky reflect local claim costs, repair prices, weather risk and state insurance rules. We rank Kentucky number 32 of 51 from cheapest to most expensive (1 is cheapest). State factor used: 1.05 (1.00 is the US average).
What the price covers
The figures are for about $30,000 of personal property and $100,000 liability. Renters insurance is one of the cheapest policies you can buy. Many landlords now require it.
Ways to pay less in Kentucky
- Count your belongings before you pick a limit; most people own more than they think.
- Bundle with car insurance for a discount.
- Choose replacement cost over actual cash value if the price gap is small.
Frequently asked questions
How much is renters insurance?
In Kentucky the typical price is about $190 a year ($16 a month), with a range of $100 to $380.
Is renters insurance more expensive in Kentucky than average?
It is 6% above the US average of $180.
Is this a quote?
No. It is a modelled estimate. Get quotes for your exact situation.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.